navigate_nextInvestor Relationsnavigate_nextCorporate Disclosurenavigate_nextFirst Quarterly Report 2025 of ACLEDA Bank Plc.'s Group

First Quarterly Report 2025 of ACLEDA Bank Plc.'s Group

May 09, 2025 | Unofficial Translation

For Q1-2025, the Group had Total Revenue of KHR 912.85 billion increased by KHR 49.63 billion equivalent to 5.75% and Profit Attributable to Owners of the Bank of KHR 171.60 billion increased by KHR 63.54 billion equivalent to 58.80% compared to Q1-2024.

As of 31 March 2025, the Group had Total Assets of KHR 45.99 trillion increased by KHR 2.38 trillion equivalent to 5.47% and Equity attributable to owners of the Bank of KHR 6.11 trillion increased by KHR 132.88 billion equivalent to 2.22% compared to the end of 2024.

Significant indicators of the First Quarterly Report (Q1-2025) are as following:

• Return on average equity (*): 2.84%
• Return on average assets (*): 0.38%
• Interest income to total gross loans: 2.88%
• Operating expense to total gross loans: 1.04%
• Total gross loan to total assets: 63.26%
• Total gross loan to total deposits: 82.13%
• Non-performing Loan ratio (**): 5.47%
• Solvency ratio: 18.77%
• Liquidity coverage ratio: 339.20%

(*) . The ratio is not annualized and was calculated using the three-month period of Profit attributable to owners of the Bank figures from 01 January to 31 March 2025.

ROAE = profit for the period attributable to owners of the Bank / average equity attributable to owners of the Bank.

ROAA = profit for the period attributable to owners of the Bank / average total assets.

(**) Non-performing loan ratio = Contractual Principal Balance of Non-Performing Loan/Total Contractual Loan Principal Balance

Number of employees (the Group): 13,396